BFH
$102.56+1.23%
Bread Financial Holdings Inc.Stock · FinancialsRussell 2000 0.07%Russell 3000 0.006%US Stock Market 0.006%
BFH financial statements
The full income statement, balance sheet, and cash-flow statement for Bread Financial Holdings Inc. (BFH), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 49.7M2024-09 49.7M2024-12 49.1M2025-03 46.5M2025-06 46.6M2025-09 45.7M2025-12 43.1M2026-03 40.4M2026-06 38.4M-22.7% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| — | — | — | 3.83B+16.9% | 3.27B-27.6% | ||
| Noninterest income | — | — | — | -355M-66.7% | -213M-37.4% | |
| Selling & marketing | 150M+2.0% | 147M-8.7% | 161M-10.6% | 180M+12.5% | 160M+11.9% | |
| Amortization of intangibles | 30.0M-14.3% | 35.0M-5.4% | 37.0M+42.3% | 26.0M-10.3% | 29.0M-14.7% | |
| Noninterest expense | 1.99B-3.5% | 2.06B-1.5% | 2.09B+8.3% | 1.93B+14.7% | 1.68B-2.7% | |
| Provision for credit losses | 1.24B-11.1% | 1.40B+13.7% | 1.23B-22.9% | 1.59B+193.0% | 544M-57.0% | |
| Interest expense | — | — | 879M+74.8% | 503M+31.3% | 383M-23.2% | |
| Interest & investment income | 4.91B-2.2% | 5.02B-2.4% | 5.14B+9.8% | 4.68B+21.1% | 3.87B-2.1% | |
| Net interest income | 4.06B-0.1% | 4.06B-4.7% | 4.27B+2.0% | 4.18B+20.0% | 3.48B+0.9% | |
| Equity-method income | 0.00 | 0.00+100.0% | -6.00M+86.4% | -44.0M-2300.0% | 2.00M | |
| Pre-tax income | 615M+61.4% | 381M-60.6% | 968M+222.7% | 300M-71.3% | 1.04B+246.8% | |
| Income tax | 94.0M-7.8% | 102M-55.8% | 231M+203.9% | 76.0M-69.2% | 247M+165.6% | |
| 518M+87.0% | 277M-61.4% | 718M+222.0% | 223M-72.2% | 801M+274.3% | ||
| Income from continuing operations | 521M+86.7% | 279M-62.1% | 737M+229.0% | 224M-71.9% | 797M+283.2% | |
| Net income to common | — | — | — | — | 801M+274.3% | |
| $10.89+98.4% | $5.49-61.7% | $14.34+221.5% | $4.46-72.2% | $16.02+259.2% | ||
| EPS (basic) | $11.07+98.4% | $5.58-61.2% | $14.39+221.9% | $4.47-72.2% | $16.09+260.0% | |
| Weighted-avg shares (basic) | 46.8M-5.6% | 49.6M-0.4% | 49.8M-0.2% | 49.9M+0.4% | 49.7M+4.0% | |
| Weighted-avg shares (diluted) | 47.6M-5.6% | 50.4M+0.8% | 50.0M+0.0% | 50.0M+0.0% | 50.0M+4.4% | |
| Dividends per share | $0.86+2.4% | $0.84+0.0% | $0.84+0.0% | $0.84+0.0% | $0.84-33.3% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 3.60B-2.0% | 3.68B+2.5% | 3.59B-7.7% | 3.89B+27.7% | 3.05B+8.9% | |
| Short-term investments | 26.0M-90.4% | 272M+8.8% | 250M+92.3% | 130M+62.5% | 80.0M+175.9% | |
| 22.7B-1.0% | 22.9B-1.1% | 23.1B-8.9% | 25.4B+16.8% | 21.7B-3.6% | ||
| Property, plant & equipment | 117M-17.6% | 142M-15.0% | 167M-14.4% | 195M-9.3% | 215M+0.9% | |
| Operating lease right-of-use | 63.0M-27.6% | 87.0M-11.2% | 98.0M+11.4% | 88.0M-9.3% | 97.0M-18.5% | |
| Goodwill | 634M+0.0% | 634M+0.0% | 634M+0.0% | 634M+0.0% | 634M-53.7% | |
| Intangible assets | 82.0M-26.8% | 112M-12.5% | 128M-22.4% | 165M+211.3% | 53.0M-31.2% | |
| 19.3B-2.5% | 19.8B-1.9% | 20.2B-12.6% | 23.1B+17.7% | 19.7B-6.5% | ||
| Long-term debt | 4.31B-22.5% | 5.56B+5.0% | 5.29B-33.9% | 8.01B+7.6% | 7.44B+165.1% | |
| Operating lease liability (total) | 85.0M-33.6% | 128M-13.5% | 148M+17.5% | 126M-10.0% | 140M-18.6% | |
| 3.33B+9.0% | 3.05B+4.6% | 2.92B+28.8% | 2.27B+8.6% | 2.09B+37.1% | ||
| Preferred stock | 0.00 | 0.00 | — | — | — | |
| Common stock | 0.00-100.0% | 1.00M+0.0% | 1.00M+0.0% | 1.00M+0.0% | 1.00M+0.0% | |
| Additional paid-in capital | 1.87B-9.9% | 2.07B-4.4% | 2.17B-1.0% | 2.19B+0.8% | 2.17B-36.6% | |
| Retained earnings | 1.48B+47.6% | 999M+30.2% | 767M+724.7% | 93.0M+206.9% | -87.0M-101.8% | |
| Accumulated other comprehensive income | -16.0M+27.3% | -22.0M-15.8% | -19.0M+9.5% | -21.0M-950.0% | -2.00M+60.0% | |
| Total liabilities & equity | 22.7B-1.0% | 22.9B-1.1% | 23.1B-8.9% | 25.4B+16.8% | 21.7B-3.6% | |
| Common shares issued | 44.1M-10.2% | 49.1M-0.4% | 49.3M-1.2% | 49.9M+0.2% | 49.8M-57.5% | |
| Common shares outstanding | 44.1M-10.2% | 49.1M | — | — | — | |
| Shares outstanding (cover) | 43.1M-12.2% | 49.1M-0.7% | 49.4M-1.4% | 50.1M+0.3% | 49.9M+0.5% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 2.09B+12.5% | 1.86B-6.4% | 1.99B+7.5% | 1.85B+19.8% | 1.54B-18.1% | ||
| Depreciation & amortization | 80.0M-11.1% | 90.0M-22.4% | 116M+2.7% | 113M-8.1% | 123M-33.2% | |
| Intangible amortization | 30.0M-14.3% | 35.0M-5.4% | 37.0M+42.3% | 26.0M-10.3% | 29.0M-14.7% | |
| Share-based compensation | 56.0M+3.7% | 54.0M+22.7% | 44.0M+33.3% | 33.0M+13.8% | 29.0M+38.1% | |
| Deferred income taxes | 90.0M+205.9% | -85.0M-25.0% | -68.0M+72.2% | -245M-1125.0% | -20.0M+88.3% | |
| Other operating activities | -17.0M+34.6% | -26.0M-204.0% | 25.0M-62.7% | 67.0M+1016.7% | 6.00M | |
| -1.37B-17.3% | -1.17B-248.4% | 788M+115.4% | -5.11B-202.2% | -1.69B-195.3% | ||
| Capital expenditure | — | — | — | 68.0M-19.0% | 84.0M+55.6% | |
| Free cash flow | — | — | — | 1.78B+22.0% | 1.46B-20.2% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 75.0M-71.9% | |
| Other investing activities | 24.0M-33.3% | 36.0M-25.0% | 48.0M-33.3% | 72.0M-10.0% | 80.0M+407.7% | |
| -807M-36.3% | -592M+80.8% | -3.09B-194.5% | 3.27B+437.3% | 608M+114.6% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 4.00M+33.3% | |
| Common stock repurchased | 313M+469.1% | 55.0M+57.1% | 35.0M+191.7% | 12.0M | 0.00 | |
| Dividends paid | 40.0M-7.0% | 43.0M+2.4% | 42.0M-2.3% | 43.0M+2.4% | 42.0M-31.1% | |
| Other financing activities | -17.0M-142.9% | -7.00M-250.0% | -2.00M+33.3% | -3.00M+25.0% | -4.00M-200.0% | |
| FX effect on cash | — | — | — | 0.00 | 0.00-100.0% | |
| Net change in cash | -86.0M-187.8% | 98.0M+131.5% | -311M-7875.0% | 4.00M-99.1% | 460M+192.9% | |
| Interest paid | 868M-5.9% | 922M+7.1% | 861M+84.8% | 466M+30.5% | 357M-26.8% | |
| Income taxes paid | 53.0M-76.7% | 227M-22.3% | 292M-13.6% | 338M+4.0% | 325M+21.3% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 3.19B+6.5% | 3.00B+84.5% | 1.62B-13.4% | 1.88B-43.5% | 3.33B+13.1% | |
| P/E | 6.2×-43.1% | 10.8×+259.6% | 3.0×-40.1% | 5.0×+20.9% | 4.2×-69.8% | |
| P/S | 0.8×+6.5% | 0.8×+84.5% | 0.4×-17.5% | 0.5×-49.4% | 1.0×+56.3% | |
| P/B | 1.0×-2.4% | 1.0×+73.2% | 0.6×-27.5% | 0.8×-50.9% | 1.6×-17.4% | |
| P/FCF | 1.8×+6.5% | 1.7×+84.5% | 0.9×-21.8% | 1.2×-48.8% | 2.3×+41.8% | |
| Earnings yield | 16.2%+75.6% | 9.2%-72.2% | 33.2%+66.8% | 19.9%-17.3% | 24.1%+230.8% | |
| FCF yield | 55.8%-6.1% | 59.4%-45.8% | 109.5%+27.9% | 85.6%+95.2% | 43.9%-29.5% | |
| Dividend yield | 1.2%-15.6% | 1.4%-46.1% | 2.6%+14.3% | 2.2%+76.8% | 1.3%-40.8% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: BFH’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all BFH filings on SEC EDGAR → Not investment advice.